secwatch.observer — SEC 8-K summary
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Issuer:     Citizens Community Bancorp Inc. (CZWI)
CIK:        0001367859
Form:       8-K
Filed at:   2025-07-28T23:59:59+00:00
Accession:  0001367859-25-000065
Event type: earnings
Sentiment:  neutral
Materiality: 0.70
Item codes: 2.02, 9.01, 8.01
LLM model:  deepseek-v4-flash:cloud@v2

Citizens Community Q2 EPS $0.33 vs $0.32 linked qtr; NIM expands 42 bps; authorizes 5% buyback
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- Q2 net income $3.3M ($0.33 dil. EPS) vs $3.2M ($0.32) in Q1 2025 and $3.7M ($0.35) in Q2 2024.
- Net interest income $13.3M (+$1.7M QoQ); net interest margin 3.27% (+42 bps linked quarter).
- Provision for credit losses $1.35M vs negative $0.25M in Q1 on $9.3M rise in delinquencies.
- Nonperforming assets down $1.5M to $13.0M; special mention loans up $8.2M to $23.2M on one multifamily loan.
- Board authorized 5% stock repurchase (499K shares) and approved redemption of $15M subordinated debentures due 2030.

Source:
  EDGAR index:    https://www.sec.gov/Archives/edgar/data/1367859/000136785925000065/0001367859-25-000065-index.htm
  Primary doc:    https://www.sec.gov/Archives/edgar/data/1367859/000136785925000065/czwi-20250728.htm
  HTML page:      https://secwatch.observer/filing/0001367859-25-000065

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